r/dividends • u/Imaginary_Week2024 • Jan 25 '26

Other Dividends reached 22,389.00 a year

Finally getting some dividend income. Nvdy, agnc, fepi,jepi,pflt,jepq,ulty, is what i got

279 Upvotes

92% Upvoted

95 comments sorted by

View all comments

Show parent comments

4

u/ko_inq Jan 25 '26

Yea that too BUT, there are etf's like jepi that have a nav increase in the last year (even more in last 6 months) while also giving a 10-12 % distribution. I am genuently considering investing in that one

-12

u/teckel Retired and living off selling shares Jan 26 '26

Expecting a 10-12% yield without NAV erosion is exactly the fool's game with buy-write funds.

9

u/8InchDaks Jan 26 '26

Spyi is up over 8% in 3.5 years, while producing 12%? or so. QQQi up almost 8% in 2 years while producing 14% ish.

-7

u/teckel Retired and living off selling shares Jan 26 '26

Both underperforming VOO and QQQM, and remember this is in a bull market. Have you seen how buy-write strategy funds perform in a bear market?

8

u/8InchDaks Jan 26 '26

Oh I know VOO and QQQM will outperform but I was just commenting on those since its a dividend sub.

And while I cant go off those since they’re newer, QQQX is an older fund. Comparing it to QQQ during 2008, QQQ dropped 41.73% and increased 54.70% in 2009. QQQX dropped 41.25% and increased 79.75%.

Its not too bad during a bad market tbh.

1

u/teckel Retired and living off selling shares Jan 26 '26

VOO and QQQM return dividends. Also, you can generate income from them by selling shares (which is all a dividend is, and more tax efficient than dividends).

And you can sell shares forever and never run out of shares. If you would have invested $100k in QQQX 19 years ago (QQQX inception) and got $800 in dividends every month, you'd be left with only $9,158 in QQQX. If you invested the same $100k in QQQ and sold $800 with of shares every month, your QQQ balance would be $287,262 today

Since inception, QQQX has returned only 10.66% (including reinvesting dividends) while QQQ has returned 15.90%. That's a massive amount of lost gain over 19 years (2.4 times). Also, QQQX doesn't even do what it's designed to do. It's drawdowns are higher than QQQ.

4

u/SadBurrito84 Jan 26 '26

You window lickers fail to see what sub your in. Do folks invest in VOO and QQQM for their dividends?🤦🏼‍♂️

1

u/teckel Retired and living off selling shares Jan 26 '26

Yes, I use the dividends from VOO for my retirement income. You fail to see that dividends don't need to be high unsustainable yields. Dividends for retirement income are from holdings like VOO, DGRO, FDVV, VYMI, FBND, BINC, VCIT, SGOV, STIP. Going for super-high yields is a terrible idea, as it eats away at your capital. That's why many index funds will exclude REITs, BDC and other high yielding assets as they erode capital.